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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,950 | $52,519-37.3% | $155,789-78.8% | $59,633-44.7% |
| Participation rate | 100.0% | 61.7%+38.3pp | 76.1%+23.9pp | 68.7%+31.3pp |
| Annual return | -1.09% | 53.51%-54.6pp | 71.54%-72.6pp | 2041.40%-2042.5pp |
| Employer contribution / active EE | $4,320 | $1,589+171.8% | $3,839+12.5% | $2,203+96.1% |
| Participant deferral / active EE | $2,320 | $3,084-24.8% | $4,798-51.7% | $3,192-27.3% |
| Admin fee / account holder | $2,048 | $3,540-42.1% | $7,477-72.6% | $4,297-52.3% |